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Wyoming Area

Wyoming, PA · Charter 21345

NCUA · 2 branches

Q3 2023

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2023, the quarter ended September 30, 2023, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Wyoming Area

Wyoming, PA · Charter 21345

NCUA · 2 branches

Q3 2023

$9.4MAssets
$978KLoans
$8.6MShares
$793KNet Worth

Executive Summary

  • Earnings: ROA of -0.01%, down 9 bps year over year; NIM at 1.27%.
  • Asset quality: problem loans at 0.52% of loans (+52 bps YoY).
  • Capital: net worth / assets of 8.46%, up 25 bps from a year ago.
  • Funding: loans stand at 11.43% of shares as of Q3 2023.

Return on Assets (YTD, annualized)

-0.01%-9 bps YoY

Net Interest Margin (YTD, annualized)

1.27%+42 bps YoY

Efficiency Ratio (YTD, annualized)

95.98%+461 bps YoY

Net Worth / Assets

8.46%+25 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2021Q1 2022Q2 2022Q3 2022Q4 2022Q1 2023Q2 2023Q3 2023YoY ΔTrend
Earnings
Return on Assets0.26%0.03%0.03%0.08%0.19%0.09%-0.16%-0.01%-9 bps
Return on Equity3.11%0.35%0.31%0.97%2.28%1.03%-1.98%-0.08%-105 bps
Net Interest Margin0.99%0.86%0.79%0.85%0.98%0.91%1.24%1.27%+42 bps
Efficiency Ratio75.97%96.74%97.16%91.37%81.47%90.94%113.08%95.98%+461 bps
Growth
Asset Growth (YoY)6.29%2.73%0.92%-0.34%0.99%1.30%0.47%-1.47%-113 bps
Loan Growth (YoY)5.84%23.23%5.96%4.79%27.88%113.90%172.14%216%+21,120 bps
Share Growth (YoY)6.61%3.37%1.98%-0.27%1.97%2.12%0.69%-1.97%-170 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%2.42%1.17%0.52%+52 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.85%1.70%1.74%1.62%1.45%0.80%0.64%0.00%-162 bps
Capital
Risk-Based Capital8.30%8.21%8.28%8.21%8.41%8.31%8.34%8.46%+25 bps
Net Worth / Assets8.30%8.21%8.28%8.21%8.41%8.31%8.34%8.46%+25 bps
Liquidity & Funding
Loans / Shares3.19%3.41%3.34%3.55%4.00%7.14%9.03%11.43%+789 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps